Our client is one of the committed financial services providers in the Ghanaian Banking industry. In order to maintain and consolidate its position, continues growth and delivery of quality services to its customers our clients is seeking outstanding, dynamic and proficient professionals to drive excellence in its, Risk, Corporate, Finance and Operations departments.

Summary of Job Purpose

A highly qualified and experienced Credit Risk Professional is needed to oversee all consumer credit risk related functions including but not limited to evaluation of credit proposals (approving/declining) and effective monitoring of the bank’s portfolio. He/She will be responsible for administering the effectiveness credit appraisal process of consumer loans and also champion credit policy formulation, monitoring and reporting in compliance with the banks credit policy and procedures.

Key Duties

•   Manage all consumer credit risk functions, and oversee the effective monitoring and control of the portfolios, compliant with the Bank’s credit policy.
•   Develop appropriate Consumer Credit strategy, and review credit policies and procedures, compliant with BOG regulations.
•   Evaluate the performance of the customer through analysis of financial statements, business, economic and industry trends.
•   Responsible for the early detection and reporting of high risk accounts to minimise potential losses
•   Collaborate with internal and external stakeholders to optimise financial returns for the Bank including both collection and recovery team
•   Identify and report fraudulent applications.
•   Enforce the governance structure of risk management and ensure that your team complies with the Bank’s standards and regulatory guidelines set by the Bank of Ghana
•   Manage the Experian credit infrastructural system
•   Deliver on additional assigned tasks/responsibilities from the CRO or his designate; as and when required.

Key Performance Measures

•   Financial
•   Customer
•   People
•   Governance, Risk And Control

Qualification Required & Experience

•   A minimum of first Degree in Finance/Banking/Business Administration
•   Minimum of 6 years working experience in a risk management environment. A strong track record in management and experience credit risk skills in a dynamic financial/banking institution is an added advantage.

SPECIFIC SKILLS

•   In-depth understanding of the application of the Bank of Ghana Basel II prudential guidelines.
•   Expertise in reviewing Loan Agreements and strong leadership skills in negotiating with business units and back office.
•   Ability to motivate teams and remain committed to achieve business results
•   Expertise in Microsoft office tools(MS Word, Excel, Power Point, Project, Outlook)
•   Excellent interpersonal skills, including oral/written communication and influencing skills
•   Ability to exercise own initiative and deliver to meet deadlines.

CORPORATE/BUSINESS AWARENESS

•   The jobholder should be aware of the workings of multiple departments in the Bank to enable him/her plan and organise the work of others and will be required to formulate and adjust plans in order to assist in the realisation of both departmental and corporate goals
•   Awareness of the statutory legislations, banking compliance standards and the Bank internal processes
•   An excellent knowledge of risk standards, principles and procedures within the Bank and the banking industry

CORPORATE/BUSINESS AWARENESS

•   Jobholder is expected to build sustaining relationships with both internal and external stakeholders through a combination of effective interpersonal, relationship building and communication skills in order to achieve the goals of the Risk Department.
•   The jobholder is expected to be empathetic in providing sensitive and in some cases debatable information to both internal and external stakeholders which is of specialised nature.
•   Result-oriented and focused on the performance of duties irrespective of challenges encountered notably in a rapidly evolving risk and organisational culture.
•   Excellent leadership and influencing skills, particularly demonstrating outstanding ability to motivate teams to achieve business results
•   Passion for service excellence in the performance of duties assigned
•   Strong ability to work in multi-cultural environment, manage, develop and coach others
•   Strong communication and probing skills
•   Strong ability to assess and analyse business risks and provide strategic input
•   Strong organisational and administrative ability

SCOPE OF THINKING

•   Ability to thoroughly analyse, evaluate, assess impact and interpret various complex problems and applying complex facts after a comparison of a range of options.
•   Ability to accurately interpret risk findings and decide on suitability mitigation measures
•   Ability to diagnose and analyse issues, assess risks to the business and to take initiative towards the resolution of issues identified in a timely manner
•   Ability to produce innovative solutions to problems.

DEGREE OF DIFFICULTY

•   Role requires ability to assemble relevant data and subject same to in-depth evaluation and risk analysis in order to meet set objectives.
•   Ability to multi-task and maintain sustained concentration to solve complex problems.

AUTONOMY OF DECISION

•   Decisions made by the job holder will be guided by the Bank’s standards, policies as well as external regulatory standards
•   Recognises priorities and weighs up different options to determine potential risk and benefits, prior to making recommendations to the CRO
•   The jobholder can make independent decisions within his/her delegated area of authority.

CORPORATE/BUSINESS AWARENESS

•   Responsible for training, career development and coaching of others
•   Controls moderate resources assigned to the role

IMPACT OF INFLUENCE ON TARGET ACHIEVEMENT

•   The jobholder provides information and advisory to other functional areas of the Bank to achieve overall corporate objectives.

Location: Accra

How To Apply For The Job

Interested applicants should please apply by 29 May 2015 through:

E-mail:- hr@kpmg.com.gh

Or

Post -  HR Advisory Services

KPMG
Marlin House
13 Yiyiwa Drive
Abelenkpe
P.O. Box P 242
Accra

Closing Date: 29 May, 2015